Cincinnati Insurance Rates:

Cincinnati, OH homeowners insurance is nearly $598 to $811, about $49-$67/month. Our thorough research shows customers can save as much as $281 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance in Cincinnati, OH

Cincinnati is Ohio's largest metropolitan area with a population of approximately 2,97,314. It is a delightful city also known as the "Paris of America." Here, people can witness the beauty of the town in the historic homes and charming streets. But are you sure that your home in Cincinnati, OH, is safe and protected? Cincinnati is also famous for its rate of crime. According to research conducted by, it says that your home is 300% more likely to be robbed with no home security system. Therefore, as homeowners have a serious threat of theft and burglary, they should take home insurance in Cincinnati to protect themselves and their belongings.

The average cost of homeowners insurance in Cincinnati, OH, is $687. The cost of insurance may differ from company to company as they are dependent on multiple factors. A few such factors are the:

  • level of coverage

  • type of deductible

  • age of the home

  • materials used

  • safety features installed in the home

  • location of the house

  • claims history

There are many other factors responsible for deciding the cost of insurance. VHome's research has explored a few aspects that can reduce your insurance premiums.

a. Multi-Policy Insurance

Policyholders can save money and lower their insurance premiums by opting for multi-policy insurance. They can simplify their life by bundling their auto, home, and more with one insurance company to avail a multi-policy discount.

b. Claims History

By maintaining a zero claims history, one can lower their premiums on home insurance. Homeowners in Cincinnati with zero claims history have to pay a premium of $604.56 whereas homeowners with one or two claims have to pay $735.09 and $769.44 on homeowners insurance, respectively. Homeowners with a clean track record can save up to $130.53 to $164.88 on home insurance in Cincinnati.


c. Safety Features

Homes with advanced safety features like deadbolts, fire extinguishers, and smoke detectors are less prone to burglary, theft, or other damage. Therefore, insurance providers lower home insurance for the residents who have installed these security features in their homes. For instance, homeowners in Cincinnati, OH, who are equipped with smoke detectors and sprinklers systems pay $618.3 and $604.56 on home insurance, respectively.

Cincinnati, OH Homeowners Insurance By Home Value

Cincinnati, OH Home Value Total Homes % of Total Average Cincinnati, OH Homeowners Insurance
Less than $50,000 3,168 6.0% $133
$50,000 to $59,999 1,670 3.0% $288
$60,000 to $69,999 2,321 4.0% $359
$70,000 to $79,999 3,125 6.0% $415
$80,000 to $89,999 3,736 7.0% $464
$90,000 to $99,999 3,917 8.0% $520
$100,000 to $124,999 7,947 16.0% $605
$125,000 to $149,999 5,742 11.0% $760
$150,000 to $174,999 4,899 10.0% $901
$175,000 to $199,999 2,723 5.0% $1034
$200,000 to $249,999 3,853 7.0% $1246
$250,000 to $299,999 2,638 5.0% $1527
$300,000 to $399,999 2,746 5.0% $1936

Top Home Insurance Agents Near Cincinnati, OH

Home Insurance Company Near Cincinnati, OH Homeowners Insurance Agency Near Cincinnati, OH Address
NA Chrismer Agency, Inc. Po Box 328, Eaton, OH, 45320
State Farm Dave Leonard 5898 Salem Ave, Dayton, OH, 45426-1448
Travelers Midwest Insurance Llc 135 SHORT ST, LAWRENCEBURG, IN, 47025
Travelers Norman Spencer Agency Inc 8075 Washington Village Drive , Dayton, OH, 45458
Erie Vanvleet Insurance Agency 5294 Madison Pike Suite 206, Independence, KY, 41051

Cincinnati, OH Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Cincinnati, OH

Streets in Cincinnati Area Homeowners Insurance Cost
W McMillan St, Townhill Dr, Quailwood Ct, Sanderson Pl, Jail Aly, Zech St, Cavett Dr, Selby Ct, Emery Ln, Argus Rd$715
Culvert St, Barg Ln, Windsong Ct, Toluca Ct, Pana Aly, Turrill St, Trailwood Dr, Midden Way, Dryden Ave, Larue Ct$740
Clarion Ave, Casper St, W Nixon St, Monitor Ave, Parkside Pl, Morgan St, Richwood Cir, Whitney Pl, Deeprun Ln, Cumberland St$851
Baywood Ln, Vista Ave, Fredonia Ave, la Feuille Ave, Mohawk Pl, Stafford St, Miami Bluff Dr, Winding Way, E 8th St, Lookout Cir$839
Fernbank Ave, Moyer Pl, Seibel Ln, Ashland Ave, Frondorf Ave, Glen Parker Ave, Bellfield Ln, Ayershire Ave, Rusconi Pl, Kenneth Ave$841
Crow Aly, Estate Ct, Towerview Ln, Glenhurst Pl, Grear Aly, Lafeuille Ave, Paddison Rd, Forestwood Dr, Cryer Ave, Bodman Aly$730
Moffat Ct, S Clippinger Dr, Hunsford St, Farrell Dr, Mansfield St, Blair Ct, Lakeland Ave, Kilgour St, Sunvalley Ln, Western Hills Ave$693
Rawson Woods Ln, Orleans Ct, Westknolls Ln, Wyandotte St, Sherel Ln, W 3rd St, Vassar Ct, Waymont Ct, W Central Pkwy, Tulane Rd$672
Chapman St, Savannah Ave, Lisbon Ave, Galvin Ave, Valley Ln, Queensgate Ln, Antoninus Dr, Old Red Bank Rd, S Dixon Cir, Westwood Ave$700
Mariemont Ave, E Mills Ave, Wing St, Thurber Aly, Eastwood Cir W, Auten Ave, Lowell Ave, Donnington Ln, Prentice Ave, Connecticut Ct$678

Cincinnati, OH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cincinnati$105 to $107
St. Bernard$103

Cincinnati, OH Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
St. Bernard village, Ohio $87 $115 $173
Dayton city, Kentucky $94 $125 $187
Norwood city, Ohio $88 $117 $176

Cincinnati, OH Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Cincinnati, OH4.3%11.2%
St. Bernard4.81%11.53%

Cincinnati Renters Insurance as a Percentage of Rent

Cincinnati Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 4,038 5.0% $346
$200 to $299 3,760 4.0% $796
$300 to $499 12,588 16.0% $1246
$500 to $749 29,762 39.0% $1921
$750 to $999 12,763 16.0% $2671
$1,000 to $1,499 9,817 13.0% $3796
$1,500 or more 2,758 3.0% $5446

Cincinnati, OH Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
45232 $90,500 $690
45207 $86,800 $680
45225 $74,200 $680
45205 $73,300 $680
45204 $71,000 $680
45214 $70,800 $680
45208 $312,800 $820
45202 $309,700 $830
45226 $272,300 $800
45220 $221,200 $780
45209 $205,800 $770
45252 $185,300 $750
45206 $176,100 $750
45203 $173,300 $750
45229 $131,300 $720
45219 $125,400 $710
45231 $111,200 $700
45211 $111,000 $700
45237 $111,000 $700
45223 $102,400 $690

Cincinnati, OH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Cincinnati Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,400$5,800
Net Savings to Cincinnati Home Owner from High Deductible Plan $600

Cincinnati, OH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cincinnati, OH Home Replacement Value MORE than Home Value Cincinnati, OH Home Replacement Value LESS than Home Value
Replacement Value $122,000 $86,000
Insurance Premium based on Replacement Value $500 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,500 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Cincinnati Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 265150
Year Built 196719761947
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $75000-$100000$125000-$150000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Cincinnati, OH from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 90,000 Composition Roof 1,230 2 $1000-$2500 Deductible 50 2 Vinyl siding No
1968 95,000 Asphalt Shingles Roof 1,160 2 $500- $1000 Deductible 90 4 Fiber-Cement Siding yes
1976 135,000 Slate Shingles Roof 1,570 2 $500 Deductible 610 12 Brick siding yes
1961 115,000 Membrane Roof 1,260 3 $2500-$5000 Deductible 140 4 Wood siding No
1968 205,000 Composition Roof 2,960 4 > $10,000 Deductible 50 1 Stucco siding yes
1940 140,000 Shingles Roof 1,780 3 $1000-$2500 Deductible 230 5 Fiber-Cement Siding yes
1969 140,000 Composition Roof 1,650 4 $1000-$2500 Deductible 100 4 Stucco siding No
1965 140,000 Slate Shingles Roof 2,020 4 $500 Deductible 360 7 Stone Siding yes
1979 140,000 Slate Shingles Roof 1,940 3 $1000-$2500 Deductible 50 1 Vinyl siding yes
1940 125,000 Shingles Roof 1,890 3 $2500-$5000 Deductible 230 6 Stone Siding yes
1978 185,000 Composition Roof 2,120 3 $500- $1000 Deductible 750 10 Stone Siding yes
1964 75,000 Slate Shingles Roof 1,040 2 $500- $1000 Deductible 110 6 Fiber-Cement Siding yes
1941 130,000 Slate Shingles Roof 1,690 2 $500- $1000 Deductible 240 5 Wood siding No
1942 320,000 Shingles Roof 3,310 4 $500 Deductible 630 5 Fiber-Cement Siding yes
1967 90,000 Tile Roof 1,000 2 $500 Deductible 220 7 Vinyl siding yes
1970 215,000 Composition Roof 2,290 4 $2500-$5000 Deductible 120 2 Vinyl siding No
1973 150,000 Shingles Roof 1,740 2 $2500-$5000 Deductible 90 3 Stucco siding No
1964 280,000 Composition Roof 3,010 4 $1000-$2500 Deductible 940 9 Stucco siding yes
1961 140,000 Composition Roof 1,830 4 $500- $1000 Deductible 320 6 Vinyl siding No
1948 130,000 Membrane Roof 1,420 2 $2500-$5000 Deductible 190 8 Brick siding No
1945 115,000 Slate Shingles Roof 1,600 3 $2500-$5000 Deductible 340 12 Brick siding yes
1946 95,000 Slate Shingles Roof 1,220 2 $500- $1000 Deductible 360 10 Fiber-Cement Siding No
1942 260,000 Asphalt Shingles Roof 3,140 4 $2500-$5000 Deductible 820 12 Brick siding No
1965 120,000 Asphalt Shingles Roof 1,520 2 $2500-$5000 Deductible 310 12 Vinyl siding yes
1967 245,000 Shingles Roof 2,840 4 > $10,000 Deductible 190 4 Wood siding yes
1967 145,000 Asphalt Shingles Roof 1,910 3 $2500-$5000 Deductible 230 6 Stucco siding No
1967 125,000 Wood Shake Roof 1,510 2 $2500-$5000 Deductible 120 3 Stucco siding No
1942 145,000 Metal Roof 1,880 4 $2500-$5000 Deductible 270 10 Vinyl siding No
1970 155,000 Wood Shake Roof 1,620 4 $500 Deductible 460 10 Stone Siding yes
1972 195,000 Wood Shake Roof 2,380 4 $2500-$5000 Deductible 460 12 Vinyl siding yes
1953 90,000 Metal Roof 1,518 3 $5000 to $10,000 Deductible 50 1 Stucco siding No

Latest Home Insurance Reviews

I would highly recommend Geico for home insurance. I have only had a small claim with them but they covered it no problem and I had payment within 2 days after the request.
State Farm
I would recommend this company for great rates, great service. This company you can make an appointment and ask questions and have them answered.
Cincinnati Insurance
Premium is probably a little higher but the company is high quality and has covered the cost of claims without complaint so it seems fair. The deductible seems pretty typical.
I would recommend this company for two reasons primarily. One being that their customer service is impeccable.Second, they work with you and try to give you the best deal they can offer.
Farmer's Insurance
I would definitely recommend them to farmers because farmers has some amazing policies and they really treat customers well and make you feel safe.
I would recommend Allstate for home insurance as the price is competitive and the claims are processed promptly and efficiently. I had multiple claims over a period of 10 years.
They did have comparable offerings at a better price than most other companies when I purchased my house; however, I feel that the rates have jumped so much I might need to reshop.
Allstate offers several different options to customize a home insurance plan that gives me the best coverage for my budget. They also offer a digital locker that records my belongings should.
I do not like that the rates go up, especially since i did not have claims in a few years.
State Farm
My insurance agent is very helpful and is quick to respond to our calls and emails. she gets in contact with us in a timely matter.
American Modern Insurance
I like american modern because it is one of the few home insurance companies that provide coverage for properties of my type. i live in a 20 year manufactured home and not many home insurance companies provide coverage for these types of homes.
Grange Insurance
I have not tried to compare prices on my premiums in a number of years. I have all of my home and vehicle insurance coverage with the Grange insurance company.
Farmer's Insurance
I know that I pay more than most. I compare from time to time to see what I would pay for different coverage amounts with other companies. So I wish in the end, there were ways that I could end up paying less each month.
State Farm
They were quick to get back to us when we called and they were very friendly and not as pushy as insurance salesmen typically are.
I am very satisfied with the communication/interaction with my insurance company. For the most part, I get emails. Once in a while I will get phone calls, but emails work best for me.
National General
National General's website is easy to navigate. The web page is very informative on their products and usage. It is not the best website I've ever seen but it is very functional.
Auto Owners
The company is responsive to any concern that I have and provides adequate resolution to any problems or questions about coverage and premium amounts.
State Farm
All premiums are going up in the area I live in because we are prone to tornados.
They were the only company that followed up with me when getting quotes and they called me back and followed through on every follow-up email they promised, unlike others.
Auto Owners Insurance
Like I said earlier, I like that they are there when I need them. If I have a question I can call. If I need someone to get back to me, they do. I don't have to wait for days on end to get an answer. They have small offices located in our area, and the one that services the area we live in has always been very good at getting back to us when we need answers.
American Family
I haven't had any issues with them thus far and think they are reliable.
I wish the price was not so high. But I guess that is the price you need to pay for a job well done sometimes.
State Farm
There are not many things I dislike about the company. I do think the prices could be lower. I also do not like how frequently they try to sell me more coverage.
I would definitely recommend this insurance because they were always available and for us when we went through hard times and weren't all about the money right away, they put our welfare and safety first.
Erie Insurance
The toll free number may as well be manned by robots. They have always been very nfeeling and for the most part unhelpful. I dislike dealing with them so I avoid calling them.
Farmer's Insurance
I am overall satisfied with the insurance company I use. They are always helpful, courteous and willing to go out of their way to help in any way they can.
This home insurance company is different from all other insurance companies because the way of approach will be different for the customers.
Peninsula Insurance
I do not like the constant push to buy other insurance product. They treat you as an idiot, and continually try to educate you on how little you understand and how much you need them

How To Make Your Cincinnati, OH Home Insurance Cheaper

How Much Does Cincinnati, OH Home Insurance Cost?